The famous nocturnal Hex hatch of the Midwest (and a few other lucky locations) stirs to the surface mythically large brown trout that only touch streamers for the rest of the year.
I dropped my wife's digital into the stream-- twice. The first time it dried out OK, but the second time did it in. So I had to replace it with an upgrade, which took a BIG bite out of the 'fishing stuff' budget.
I bought an expensive rod last year (Winston) and feel like I should match it with a decent reel... but on the other hand, should probably replace my leaky waders and rusting vise before that!